I didn’t dismiss anything at all. I literally said of course it’s part of the determinants of health. Literally in the post.
Guiding health care coverage policy by personal decisions can easily get into cruel territory. I just gave multiple examples. I’m sure you can think of hundreds more
I said the most obvious, least controversial statement ever lol. Surprised you’re taken aback
Your examples are, respectfully, garbage. I mean no disrespect, but they are trash. Respectfully.
If we aren't allowed to insure based on any risk factors at all, how does the insurance market work? It doesn't sound like insurance then. It sounds like subsidized medical care. And, I'm fine with that, but don't call it an insurance market. Luckily, smoking is allowed to be considered. Poor people also tend to smoke more, so are you saying we should remove this as something insurance can utilize for premiums? This is about as regressive as it gets - poor people smoke at WAY higher rates and then ACA allows insurers to charge 50% more in premiums. Need everyone to smoke less and have the opportunity / access for smoking cessation, with the incentive that you will pay less for insurance. Is that draconian?
I don't think someone with 5 speeding tickets in 2 years should get the same rates of insurance premiums as a prisitine driver, and they don't. So that is including personal choice. Yet, richer people get more speeding tickets but tend to have lower increases in their premiums than poor people. That's where societal failure comes into play. We can work on both, right? Be fairer with regards to changes in premiums and not be extra punitive to the poor, but also tell everybody to stop driving so ****ing fast (yes, that's you, Michigan drivers; I am getting passed on my right when I'm going 78 on the freeway).
In other insurance markets (life insurance, disability, auto), your personal choices matter and affect your premiums. Let's not get into putting people into box A or box B. Walk, chew gum, etc.